The best way to save on shuttle insurance is to get multiple quotes from multiple agents. Fill out one simple form and we will connect you with three licensed agents in your stat who will fight over your policy. They give you their best price and you choose the plan that works for you. It’s the smart way to shop!
Good Shuttle Insurance Covers All the Risks
Listen. Drivers make mistakes Accidents happen. It’s impossible to prevent every accident from happening. That’s shuttle bus services need insurance. Your drivers see hundreds of trips back and forth on the road day after day. A lot can happen. A robust insurance policy protects you against circumstances that could destroy your business.
Collisions – A large shuttle bus weaving through traffic will sometimes strike another vehicle. When your driver is at fault in such a scenario, your business is responsible for paying for any car repairs. That’s where property damage liability kicks in. This coverage pays for damage done to other vehicles as the result of your drivers’ negligence.
Injuries to other drivers – Say your bus hits a vehicle and the driver of that vehicle breaks her arm. Why pays for her medical bills? That’s right. You do. Bodily injury liability is a coverage that takes care of any medical expenses related to an accident where your business is at fault.
Injuries to passengers – Passengers on shuttles are in a rush usually. They aren’t usually very concern with their own safety. And sometimes they will get hurt. You need an insurance policy that will protect you from lawsuits arising from such cases. Medical payments insurance does that. It pays for any medical expenses if someone is hurt while riding your bus.
Injuries to drivers – Depending on your state and the size of your company, you might need workers’ compensation insurance. This coverage pays for any medical expenses facing your drivers after they’ve been hurt on the job.
How Your Price is Determined
Many new owners of hotels and airport shuttles are astounded at how much insurance will cost them. Others are pleasantly surprised. There are several factors that go into how much you pay for insurance. They include:
- Where you live
- How many accidents your drivers have been in
- How large your shuttles are (15-passengers or smaller are cheaper to insure)
- How many trips you do per day
How to Get the Best Deal on Shuttle Insurance
Train Your Drivers Well – People who never get into accidents don’t pay much for insurance. If your drivers are involved in just one accident, your prices will skyrocket. That’s obviously not okay. You need a training program in place that emphasizes safety. You need to make sure that your drivers follow your safety orders. Imagine how high your premiums will be if you get into a few accidents.
Hire Only the Best – Insurance companies like drivers who have clean records. The better your drivers, the less you’ll pay for insurance. That’s why it’s so important to run background checks and see the history of your potential employees. The cost of a background check is well worth it it helps you avoid hiring a driver with a DUI on his record.
Pick Your Coverages Wisely – THose who need commercial auto liability insurance, typically need business insurance and general liability too. Talk to your insurance agent about the different coverages offered to you. They can often find you discounts if you buy all your insurance through a single company.
Compare Policies – The first policy offered to you is rarely the best. Don’t just go with the first agent you talk to. Talk to several. Then pick the policy that works best for your business. We can help. Fill out one form and we’ll connect you with three agents who do shuttle insurance. They compete and you win. Get started now!
